The customer service I received from…Derek Phillips
The customer service I received from start to finish was 5 star. Derek Phillips my account executive kept me in the know every step of the way. Great folks to work with.
About Torro Funding
Data updated- Website
- torro.com
- Category
- Money & Insurance
- Location
- United States
- Status
- Unclaimed
- Last 12 months
- 102 reviews
- Replies to negative
- 77% (10/13)
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About this business
Founded in 2015, Torro Funding is a Fintech direct funder that provides working capital to U.S.-based startups, small, and medium-sized businesses. Unfortunately, many entrepreneurs have been denied traditional funding by their banks. Many merchants turn to Torro because we think differently from banks. We consider several historical factors, and our decision is not solely based on credit. In as little as 24 hours, your existing business could receive up to $500,000 in funding to cover various expenses such as meeting payroll, purchasing inventory, consolidating outstanding debts, and expanding. Could your business benefit from some extra money in the bank? If so, fill out our quick and easy application at www.torro.com or call 1-866-858-2404. You’ll typically receive a pre-approval in under 24 hours.
Written by the business, not verified by us.Is Torro Funding legit?
Torro Funding (torro.com) has a 4.4 out of 5 rating on OK.one, based on 102 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 85% of reviews are 4 stars or higher and 13% are 1 star; The business has replied to 77% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-08-11.
What reviewers say
AI generatedReviewers overwhelmingly had a great experience with this company. Customers frequently praise the helpful staff for guiding them through the funding process with exceptional clarity, patience, and dedication. People note that representatives are exceptionally responsive and knowledgeable, ensuring smooth transactions and remarkably quick financial results. However, some people mentioned encountering unhelpful communication and rude behavior from staff members during their funding interactions. A few reviewers also felt that responses were severely delayed, leaving them frustrated by a lack of clear answers and transparency. Consumers sometimes experienced unexpected difficulties with customer service agents who hung up or failed to maintain professional standards.
Auto-generated from all reviews of this business. For reference only.What people say
Enjoyed working with Derek very…
Enjoyed working with Derek very professional. They got the job done quickly and efficiently.
Highest Recommendation
I can’t say enough great things about Derek Phillips and Josh Stapley @ Torro Funding, and the incredible service they provided! From the very beginning, Derek truly listened to understand my goals and what I was hoping to achieve. I never felt rushed or overlooked — he took the time to make sure he understood exactly what I needed. From there, Josh took over. What really stood out was how he also took time to understand my goals and prepared me step by step, clearly explaining the entire process so I always felt informed and confident. Their team walked me through every stage with genuine expertise and professionalism, making what could have been overwhelming feel smooth and manageable. If you’re looking for a team that listens, cares, and delivers exceptional service, I highly recommend them. You’ll be in great hands!
Charlie is always great i have worked…
Charlie is always great i have worked with him at least times and things have always run smoothly and prompt and i received my funding by the end of the work day. They never make mistakes on the repayment and i will continue to work with charlie and the torro team.
I had a really positive experience…
I had a really positive experience working with Toro Hope. Derek Phillips was professional, responsive, and made the entire funding process feel straightforward and stress-free. He took the time to answer my questions and kept me updated every step of the way. I’d definitely recommend reaching out to Derek if you’re exploring funding options.
Derrick Phillips helped the entire…
Derrick Phillips helped the entire process and I had an amazing experience 10/10 recommend
Thank you Torro Funding
Thank you Torro Funding. Shout-out to Derek Phillips for helping my business with the expansion of credit lines. Giving my business breathing room to invest in new opportunities and scale. Derek is a highly reliable asset. Fast and professional.
Working with Derek Phillips was…
Working with Derek Phillips was wonderful! Made the whole process super easy!
Rick Went the extra mile
I have decided to update my review. I originally rated this business very low because of not receiving any communication from them however, Rick reached out to me and went over lots of great information and showed where the ball was dropped as my current email address had not been updated. Rick provided great information of how I can move forward with Funding and I am grateful for the time he took to check to see why I had originally scored them low that shows care for their business and for the customer. Once I straighten out a few things, I will definitely reach back out to Torro to get funded.
Fast and Efficient
Working with Joshua at Torro Funding was honestly a great experience. He moved super fast and got us funded within 24 hours. Everything felt smooth, easy, and really tailored to what we actually needed. Definitely recommend him if you want someone efficient and easy to work with.
if I give them a zero I would
if I give them a zero I would You do not talk to people like they're dumb or an animal and I was just talk to like I had no sense of running a business I have been doing this for 20 years and I'm starting all over again what I did not appreciate was this a****** name Rick who wanted to talk down to me Don't talk down to me it's unnecessary first you lied then you sat up got my hopes build up only to sit up and try to talk down to me All you had to do was say you could not help me Even if I were approved I would not take up with this company I am basically letting every black female entrepreneur Go somewhere else
Great company to do business with
Adam was great to deal with very responsive and informative. I would definitely have a pleasure dealing with him again and recommend new customers to have dealings with him because he does great on painting the whole picture for a customer to understand everything.
Reply from Torro Funding2026-02-09
Thank you for the great review! We strive to ensure our clients have full transparency at all times, and Adam is a great example of that. He will be here in the future for any further funding needs!
Torro Funding helped me secure funding…
Torro Funding helped me secure funding for my business. Derek Phillips helped me navigate the application process smoothly. He established rapport with me and trust in the application process. He asked questions about my business which elevated my sense of accomplishment. Dillon Carolan help me with lots of details and with the final stages of the funding. I was impressed with their professionalism, availability and quick response times to my questions. Thank you for your services.
Reply from Torro Funding2026-02-09
Thank you for the 5 stars Edik! Derek and Dillon are an excellent team and will be thrilled to help with any future funding needs!
Bad first impressions.
The website seemed like a great experience with everything they needed upfront. In the end, they tried to sell me a website because they said I didn't have an online presence. I made a phone call to the company and the phone rang and rang. It would break in every once in a while, saying the line was being recorded. And then finally someone answered. They spoke English, but I couldn't understand what the hell they were talking about. I would say something and then there would be a long pause. They would answer, but not in a normal conversation that I expected. I ended up hanging up on them due to lack of good communication.
Reply from Torro Funding2026-02-09
Hi Tom, We’re sorry to hear about your experience and appreciate you taking the time to share your feedback. Our intention is never to pressure anyone into purchasing services they don’t need. When we mention online presence, it’s meant to be informational and based on what we can publicly verify. We are concerned about your phone experience; long wait times, interruptions, or unclear communication are not the standard we aim for. If you're open to it, we'd be happy to take the opportunity to make things right, call our support team at 866-858-2404.
Richard was great to work with—quick
Richard was great to work with—quick, responsive, and really knowledgeable. He did a great job walking me through my options and making sure I understood everything. He offered solid solutions and helped me land on something that truly works for my situation. Highly recommend!
Reply from Torro Funding2026-02-09
Thank you for the kind review and for sharing your experience. Richard and Torro are always just a phone call away should your business ever need any additional funding.
Don’t deal with this company for many…
Don’t deal with this company for many bad reasons. Do not and I repeat do not give them your person information they won’t even contact you back after you give them all your information you have to track them down…
Reply from Torro Funding2026-01-23
Hey Kim, We hear you loud and clear, and it appears we dropped the ball. I can assure you, this is not a normal occurrence. At the end of the day, our agents our humans and sometimes, 1 out of a 1,000, we make mistakes and a file slips through the cracks. We appreciate you pointing this out so we can continue our agent growth and progression with feedback provided by our clients. Our thousands of 5 star reviews should be a good indicator that this is not common practice. If you need any further assistance, call us! 866-858-2404 Torro Support Team
Charlie was very professional and…
Charlie was very professional and helpful. He was there with me every step of the way.
Reply from Torro Funding2026-01-23
Thanks for letting us know what a great job Charlie is doing, Claudio! Torro has your back when it comes to any and all of your business funding needs! Save Charlie's number in case you need capital in the future.
Thank you to this company I got a…
Thank you to this company I got a little bit fund that I need. Joshua your the best thanks for the help!
Reply from Torro Funding2026-01-21
Hi Anne. Thanks for stopping by and letting us know what a great job josh is doing. Torro will always be here for any capital needs!
Ghost
Filled out half the application, stopped when they said they were going to pull credit, didn't specify if it would be a hard or soft pull. I contacted the chat support, no reply. Called them, no one was there, so I assumed they were out of business, so I closed the tab and left.
Reply from Torro Funding2026-01-16
Hi Tyson, we can assure you we are not out of business, it sounds like you tried to reach us after business hours. You can reach us at 866-858-2404 during the hours of 8am-5pm MST. We'd be happy to answer any questions you have and help you with all your funding needs!
Adam was great to work with
Adam was great to work with! Made the process simple and quick.
Reply from Torro Funding2026-01-21
Thanks for the review, Anne! We are happy to hear Adam was able to get you all squared away. Keep his number saved in case any other funding needs arise!
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